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Penn Drake

Karns City, PA · Charter 61245

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Penn Drake

Karns City, PA · Charter 61245

Q4 2013

$3.1MAssets
$1.1MLoans
$2.9MShares
$285KNet Worth

Executive Summary

  • Earnings: ROA of -0.23%, up 15 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.09%, up 23 bps from a year ago.
  • Funding: loans stand at 38.81% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-0.23%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-8 bps YoY

Efficiency Ratio (YTD, annualized)

109.21%+101 bps YoY

Net Worth / Assets

9.09%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.20%-0.44%-0.41%-0.38%-0.07%-0.14%-0.24%-0.23%+15 bps
Return on Equity-2.22%-5.23%-4.82%-4.24%-0.82%-1.59%-2.73%-2.50%+174 bps
Net Interest Margin2.29%2.21%2.31%2.41%2.28%2.29%2.28%2.33%-8 bps
Efficiency Ratio105.13%110.08%107.98%108.19%102.94%105.81%110.06%109.21%+101 bps
Growth
Asset Growth (YoY)9.12%9.36%4.89%1.31%-1.87%-6.12%-4.75%-4.96%-627 bps
Loan Growth (YoY)7.71%11.22%11.64%9.45%7.90%-4.98%-9.43%-10.43%-1,988 bps
Share Growth (YoY)10.69%11.03%5.88%1.95%-1.53%-6.34%-4.97%-5.23%-718 bps
Asset Quality
Delinquent Loans / Loans0.71%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.43%0.57%0.59%0.58%0.62%0.63%0.66%+7 bps
Capital
Risk-Based Capital8.83%8.44%8.53%8.85%8.66%8.78%8.72%9.09%+23 bps
Net Worth / Assets8.83%8.44%8.53%8.85%8.66%8.78%8.72%9.09%+23 bps
Liquidity & Funding
Loans / Shares37.52%38.66%40.57%41.06%41.11%39.22%38.67%38.81%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps